LemFi vs WeBudget

Ambition has no passport. LemFi is built for people going places. It puts what you need in one app: send money internationally, buy eSIM data, and in the UK, save and access credit, subject to eligibility. Send, save, grow with LemFi. SEND MONEY ABROAD Send to 30+ countries across Africa, Asia, Europe, and Latin America, with zero transfer fees on supported corridors. Most transfers arrive in minutes, paid into a bank account, a mobile wallet, or a mobile money account, depending on where you're sending. No branch visit, no paperwork, no waiting days for a bank wire to clear. You see the exact rate and fee before you confirm. No hidden fees, nothing taken off on arrival. Then follow every transfer from the moment you send to the moment it lands, so you're not left wondering, and neither is your family. SAVINGS (UK) LemFi Instant Access Savings, Powered by ClearBank. Open an account from £1 and put money aside for emergencies, for goals, for the things that matter. Withdraw any time, with no penalty. Interest is calculated daily and paid monthly. The LemFi Instant Access Savings Account currently pays a boosted 5% AER for the first six months from account opening; it then reverts to 3.04% AER (tracker), tracking the Bank of England base rate. LemFi is not a bank. Savings accounts are provided by ClearBank Ltd (PRA-authorised, FCA and PRA regulated). Eligible deposits are FSCS protected up to £120,000 per person, shared across all deposits you hold with ClearBank. CREDIT (UK) LemFi Credit is a revolving credit line, subject to eligibility. We look at your full history, including your history with LemFi, so a thin UK credit file isn't the whole story. Choose how you repay each month: the full balance, the minimum, or a fixed amount that suits you. With Credit Monitor, eligible customers can see their Equifax credit score in the app, and what moves it. Credit is offered subject to status and affordability. Questions about credit? Our support team is in the app. The LemFi Credit account is provided by Pillar Labs Ltd, a company registered in England and Wales (Company No. 13637649). Registered Office: Jellicoe, 5 Beaconsfield St, London, England, N1C 4EW. Pillar Labs Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 996727. eSIM DATA Buy eSIM data for 150+ countries in the app, before you fly. Land connected when you go home or travel anywhere else, with no roaming bill and no queue for a local SIM. WHY OVER 2 MILLION PEOPLE STAY • Alerts the moment your money arrives • 24/7 customer support in multiple languages • Refer a friend and you both get the same amount of LemFi Cash to use on your transfers. LemFi Cash can't be withdrawn as cash. LICENSED AND REGULATED In the UK, LemFi is a trading name of RightCard Payment Services Limited, authorised by the Financial Conduct Authority to issue electronic money under the Electronic Money Regulations 2011 (FRN 900424). Your LemFi account is an e-money account, not a bank account, and is not FSCS protected. We also hold licenses, registrations, and approvals in Australia, Canada, Ireland, the US, and key corridors across Africa and Asia. Questions? Contact us in the app or at support@lemfi.com. Facebook: @uselemfi | X: @uselemfi | Instagram: @uselemfi

WeBudget is an expense tracker that does the typing for you. Share a bank message, an email receipt or a screenshot into WeBudget and it becomes a transaction — the amount, the merchant, the account and a category it works out for itself. Screenshots are read on your device. You confirm it, and that is the whole loop. Nothing is ever saved behind your back. Every capture waits in a review queue until you say yes, and correcting one teaches WeBudget the merchant for next time. WHAT IT DOES • Share text or a screenshot from any app and have it logged for you • Budgets per category, with a warning before you go over — not after • Charts that answer a question: where it went, what changed, what this month is on pace to cost • Multiple accounts and currencies • Import from a WeBudget backup or from Money Manager • Export everything, whenever you like • Face ID or PIN lock, and a covered screen in the app switcher • Full support for English, French, Spanish and Arabic YOUR DATA STAYS ON YOUR IPHONE The ledger lives on your device. There is no account to create and nothing needs a connection — use WeBudget without signing in and your spending exists in exactly one place: your phone. Sign in and your ledger is backed up automatically, free, on every device you sign in on. If you do turn it on, we say plainly what that means: a copy of your records is sent over an encrypted connection and stored encrypted on our servers, in a form we can read. That is how we put your ledger back on a new phone and help you when something goes wrong — and it means a breach of our database would expose those records. Our privacy policy sets out who can access them and what is logged when they do. You can delete the cloud copy at any time without touching your phone. WHAT IS FREE, AND WHAT IS NOT Free, with ads, forever: adding transactions by hand, unlimited transactions, every chart, every budget, local backup, import and export. Your own data is never held behind a paywall. WeBudget Plus is a subscription. It turns on automatic capture, gives you the WeBudget Score — your financial health from 0 to 100, built from your own records — and removes the ads. Cloud backup is free for anyone with an account and is not part of it. Both plans start with a free trial. ABOUT THE ADS The free tier carries ads, and they stay out of the way: never inside your transactions, balances or review queue, and never on the screens where you add money or manage your account. No transaction, amount, merchant or balance is ever used to target an ad — not one. You can also watch a short video for two hours without ads, or subscribe and see none at all. Privacy policy: https://we-budget.app/privacy Terms: https://we-budget.app/terms Support: https://we-budget.app/support